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Terms of Service

Version 1.1 · Effective Date: May 6, 2026 · Last Reviewed: May 6, 2026

These Terms supersede all prior versions of PLLAY's Terms of Service. Users who created accounts before the Effective Date will be prompted to accept these updated Terms upon their next login. Continued use of the Platform after the Effective Date constitutes acceptance of these Terms.

1. About these Terms

These Terms of Service ("Terms") govern your access to and use of the PLLAY platform, including the websites, mobile experiences, APIs, and any related services (collectively, the "Service") operated by PLLAY Labs, Inc., a Delaware corporation ("PLLAY", "we", "us", "our").

By creating an account, accessing, or using the Service, you agree to be bound by these Terms. If you do not agree, you may not use the Service.

These Terms incorporate by reference the Privacy Policy, the Responsible Gaming Policy, and the Official Contest Rules.

2. Eligibility

You may use the Service only if all of the following are true:

  • You are at least 18 years old. Age is verified at signup and confirmed at first cash withdrawal via our KYC process.
  • You are physically located in the United States. International users are not supported.
  • You are not a resident of, or physically located in, a Restricted State. As of the Effective Date, the Restricted States are: Arkansas (AR), Connecticut (CT), Delaware (DE), Louisiana (LA), South Dakota (SD).
  • You are not on any sanctions or denied-persons list maintained by the U.S. Department of the Treasury, the U.S. Department of State, or any equivalent international body.
  • You are not a PLLAY employee, contractor, immediate family member, or anyone with a material conflict of interest with respect to a given Contest.

We enforce these requirements through (a) pre-signup geo-check (IP + reported location vs. Restricted States), (b) at-withdrawal KYC via our partner Persona, and (c) continuous geo monitoring on every cash purchase and withdrawal. The current list is authoritative in public.geo_blocked_states in the platform database; see /eligible-states for the live list.

3. Account creation and authentication

You may sign up for the Service using email + password, "Sign in with Google" (OAuth), or "Sign in with Apple" (OAuth). You are responsible for maintaining the confidentiality of your account credentials, may not transfer or sell your account, and may not maintain more than one account. If you suspect unauthorized access, notify us immediately at security@pllay.io.

3.1 SMS notifications (TCPA)

By opting in to SMS notifications during account creation, you consent to receive transactional messages (account verification, withdrawal confirmations, security alerts) and promotional messages (contest announcements, platform updates) from PLLAY at the mobile number you provide. Message frequency varies. Message and data rates may apply. Reply STOP to unsubscribe from promotional messages at any time. Reply HELP for support. Opting out of promotional messages will not affect transactional messages related to your account security and contest participation. Your consent to receive SMS messages is not a condition of purchasing any goods or services.

4. The Service: skill-based prediction contests

PLLAY operates a series of skill-based prediction contests ("Contests") offered by creators to the user communities they bring to the Platform. Each Contest is launched by an individual creator and is open to participants who have chosen to follow that creator's stream — it is not an open-public sportsbook, and PLLAY does not solicit predictions from the general public independent of a creator's audience.

In each Contest the creator launches a binary prediction tied to a real-world live-streamed event; participants ("Fans") allocate prediction credits ("Credits") to one of the options before the prediction locks; and when the prediction settles, Fans who correctly predicted the outcome share a payout pool proportional to their allocation, while Fans who predicted incorrectly forfeit their staked Credits.

Outcomes are determined predominantly by skill — specifically, the participant's demonstrated prediction accuracy across multiple Contests. PLLAY's contests are not games of chance. Detailed mechanics, prize structure, and judging criteria are set out in the Official Contest Rules.

5. Credits, currency, and the rev-share split

5.1 Credit purchases

Credits are purchased in U.S. dollars through our payment processor, PayPal. PLLAY does not store payment-card information; PayPal holds your tokenized card data and processes the charge. Credits are denominated in PLLAY internal units; the conversion rate at purchase time is shown in checkout and recorded in your transaction history.

5.2 Credits are not currency

Credits exist solely to enable participation in PLLAY Contests. They are not legal tender, are not redeemable for goods or services outside the Service, and are not transferable to other users. Credits do not earn interest or accrue any value other than the right to participate in Contests.

5.3 The 60 / 22 / 18 rev-share split

When a Contest settles, the total Credit pool is distributed as follows:

  • 60% to fans who predicted correctly, pro-rata by their stake.
  • 22% to the prediction's creator as a performance share.
  • 18% retained by PLLAY as a service fee.

Founding-cohort exception: the first 100 approved creators ("Founding Creators") settle at 60 / 25 / 15 (25% creator share) through a fixed date shared by the entire founding cohort (up to 12 months, depending on when a given creator is approved), after which their Contests settle at the standard split above.

This split is enforced atomically by the platform's settlement RPC and recorded in an immutable ledger. The split is fixed for an individual Contest at the time it is launched and cannot be modified retroactively.

5.4 Withdrawals (cashing out)

You may withdraw redeemable Credits to U.S. dollars via your linked PayPal account, subject to: (a) successful KYC verification, (b) a minimum balance of $10 USD-equivalent, (c) you are not currently self-excluded, (d) you are not in a Restricted State at the time of request, and (e) no active fraud-monitoring hold or wallet freeze on your account.

Withdrawals are auto-approved within 1 minute for amounts at or below $100 USD; auto-approved within 24 hours for $100–$500 with no active fraud signal; and manually reviewed for amounts above $500. PayPal payouts typically arrive within 1–3 business days after approval.

Private-beta notice: during the current invite-gated beta, cash withdrawals are disabled platform-wide. Credits and winnings accrue to your account and become withdrawable when the platform exits beta.

5.5 Tax reporting

PLLAY's payment processor (PayPal) issues IRS Form 1099-K directly to creators whose annual PayPal payouts cross the federal reporting threshold (currently $5,000 for the 2026 tax year). For fan-side prize payouts, PLLAY issues IRS Form 1099-MISC when annual reportable winnings cross the $600 threshold. You are responsible for any tax liability arising from your use of the Service.

We may collect a Form W-9 (U.S. persons) or W-8 (non-U.S. persons) prior to processing payouts that approach reporting thresholds. If you fail to provide a valid Taxpayer Identification Number upon request, PLLAY's payment processor may be required to withhold 24% of reportable payments pursuant to IRS backup withholding rules (26 U.S.C. § 3406). PLLAY's payment processor, PayPal, issues 1099-K forms directly to eligible users in accordance with applicable IRS reporting thresholds. You are solely responsible for reporting and paying all taxes on amounts earned through the Platform.

6. Creator accounts and PayPal payouts

Creators who receive creator-share payouts must complete PayPal payout onboarding (identity verification, linking a PayPal account in your name, and acceptance of PayPal's applicable user agreements). PLLAY does not control PayPal's onboarding or payout decisions. If PayPal rejects your account, suspends payouts, or holds funds, your recourse is with PayPal per their applicable user agreements.

7. Geo-blocking

We use multi-layer geo verification: IP geolocation at signup, at first credit purchase, and at every withdrawal request; account-state declaration during KYC; PayPal billing-address state when payment information is on file; and VPN / anonymizer detection. Re-verification runs automatically every 7 days. We may freeze your wallet or close your account if our continuous verification indicates a sustained move into a Restricted State.

8. KYC verification

Identity verification is required before processing your first cash withdrawal, regardless of amount. There is no minimum threshold below which verification is waived. We use Persona as our KYC partner; you will be asked to submit a photo of a government-issued ID and a selfie for liveness verification.

Subsequent withdrawals to the same verified bank account do not require re-verification. We may re-verify if we detect a change in your circumstances (new bank account, address change, fraud signals, or compliance review).

See the Privacy Policy § 4.6 for our biometric-data disclosure (BIPA / Texas § 503.001 compliance).

Submitting fraudulent or altered documents is grounds for immediate account closure and forfeiture of any Credit balance, in addition to potential reporting to law enforcement.

9. Responsible gaming and self-exclusion

PLLAY is committed to responsible play. You may set daily, weekly, and monthly limits on Credit purchases (decreases take effect immediately; increases take effect after a 24-hour cooling-off period); you may self-exclude your account (24h, 7d, 30d, or indefinite tiers); and you may close your account at any time. Detailed responsible-gaming resources are set out in the Responsible Gaming Policy.

10. Prohibited conduct

You may not:

  • Use the Service if you are not eligible (§ 2);
  • Maintain more than one account;
  • Submit false KYC documentation;
  • Use scripts, bots, or automation to interact with predictions;
  • Coordinate with other users to manipulate outcomes;
  • Attempt to circumvent geo-blocking, including via VPN, proxy, or false location declarations;
  • Reverse-engineer, scrape, or attempt to copy the platform;
  • Use the Service for money laundering, tax evasion, or any other unlawful purpose.

11. Fraud monitoring

We continuously monitor account activity for fraud indicators including unusual win rates, suspicious confirmation patterns, large bet anomalies, bot-like behavior, and rapid account-creation patterns. If our system flags your account, we may temporarily freeze your wallet, hold pending payouts, and require additional verification.

12. Disputes, refunds, and chargebacks

Credit purchases are generally non-refundable once Credits have been allocated to a prediction. Initiating a credit-card chargeback against PLLAY constitutes a material breach of these Terms. If you believe a prediction was settled incorrectly, dispute the outcome by emailing contests@pllay.io within 7 calendar days of settlement.

13. Termination

You may close your account at any time per § 9. We may suspend or terminate your account (with or without notice) for violations of these Terms, failure to satisfy KYC, fraud-monitoring escalation, regulatory notice, or non-use exceeding 24 months (with 30 days' notice).

Upon account termination, you may request withdrawal of any remaining balance for 90 days by initiating a withdrawal through the Platform or by emailing support@pllay.io. During this period, funds remain in your PayPal-custodied account and are not held by, controlled by, or commingled with PLLAY's operating accounts. PLLAY does not exercise dominion or control over user funds at any time, including during account suspension, investigation, or post-termination periods. After 90 days, unclaimed balances are handled in accordance with applicable state unclaimed-property laws, which may provide for longer or shorter dormancy periods. Nothing in this section shortens any dormancy period required by state law.

Notwithstanding any time period stated in these Terms, unclaimed balances will be reported and remitted to the appropriate state unclaimed-property authority in accordance with applicable law, which may provide for dormancy periods that are longer or shorter than the periods stated herein. In the event of a conflict between these Terms and applicable unclaimed-property law, state law controls.

14. Disclaimers and limitation of liability

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied. PLLAY disclaims all implied warranties including merchantability, fitness for a particular purpose, and non-infringement.

To the maximum extent permitted by law, PLLAY's aggregate liability for any claim arising out of or relating to these Terms or the Service is limited to the greater of (a) the amount you paid PLLAY in the twelve months preceding the claim, or (b) one hundred dollars ($100). PLLAY is not liable for any indirect, incidental, consequential, special, or punitive damages, including lost profits or loss of data.

Carve-out: The foregoing limitations do not apply to claims arising from PLLAY's gross negligence, willful misconduct, fraud, or breach of its data-security obligations under applicable law.

15. Governing law, dispute resolution, and arbitration

⚠Important — Class-Action Waiver & Arbitration

Read carefully. By using PLLAY, you and PLLAY agree:

  • All disputes are resolved by individual binding arbitration — not by court action — except for small-claims actions and certain IP claims described in § 15.5.
  • You waive the right to participate in any class action, class arbitration, consolidated proceeding, or representative action. Each dispute will be decided one-on-one between you and PLLAY only.
  • You may opt out of this arbitration provision within 30 days of account creation by emailing arbitration-optout@pllay.io with your username and the statement "I opt out of PLLAY's arbitration clause." Opting out does not affect any other Terms.

Full arbitration mechanics, including AAA administration, fee allocation, and the limited carve-outs, are set out below in §§ 15.1–15.6. The Federal Arbitration Act (9 U.S.C. § 1 et seq.) governs.

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-law principles. The Federal Arbitration Act (9 U.S.C. § 1 et seq.) governs the interpretation and enforcement of the arbitration provision in § 15.2.

15.1 Informal Resolution Period

Before initiating arbitration, the complaining party must send a written notice of dispute to the other party describing the claim and requested relief. The parties will attempt to resolve the dispute informally for 30 days after the notice is received. If the dispute is not resolved within 30 days, either party may proceed to arbitration. Notices to PLLAY should be sent to legal@pllay.io.

15.2 Binding individual arbitration

Any dispute that survives § 15.1 will be resolved through binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. The arbitration will be held in your county of residence (or, by agreement, by telephone or video conference). One arbitrator will be appointed under the AAA rules.

15.3 Filing Fees

For any claim where the amount in controversy is $10,000 or less, PLLAY will pay all AAA filing fees and arbitration administration fees. You are responsible only for your own attorneys' fees unless applicable law requires otherwise.

15.4 Class-action waiver

Class actions and class-wide arbitrations are waived to the extent permitted by law. You waive your right to participate in a class action lawsuit or class-wide arbitration. Each party may bring claims only in their individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding.

15.5 Small Claims Court Carve-Out

Notwithstanding the agreement to arbitrate, either party may bring an individual claim in small claims court in the claimant's county of residence (or, for PLLAY, in Harris County, Texas) if the claim qualifies under that court's jurisdictional limits.

15.6 Opt-out

You may opt out of this arbitration provision within 30 days of first account creation by emailing legal@pllay.io with the subject line "Arbitration Opt-Out." Opting out does not affect any other provision of these Terms.

16. Changes to these Terms

We may update these Terms from time to time. Material changes will be announced at least 14 days before the new version takes effect by email and in-product notice. Your continued use of the Service after the effective date of a change constitutes acceptance of the updated Terms.

17. Contact

InquiryEmailNotes
General supportsupport@pllay.ioAccount questions, basic troubleshooting
Privacy requestsprivacy@pllay.ioAccess, correction, deletion, opt-out under CCPA / TDPSA / other state privacy laws
Security reportssecurity@pllay.ioSuspected unauthorized access, vulnerability disclosure
Legal notices / arbitration opt-outlegal@pllay.ioFormal legal notices; § 15.6 arbitration opt-out
Contest disputescontests@pllay.ioOutcome disputes (see § 12)

Legal notices (postal): PLLAY Labs, Inc., Attn: Legal, 12828 Willow Centre Drive, Ste D142, Houston, Texas 77066.

Mailing address: PLLAY Labs, Inc., 12828 Willow Centre Drive, Ste D142, Houston, Texas 77066.

Sponsor entity for skill-based contests is PLLAY Contests LLC, a Delaware single-member LLC wholly owned by PLLAY Labs, Inc. — see the Official Contest Rules § 1 for the contest sponsor address and AMOE process.

Companion documents